Sigma Funding Group – AI Summary

Overview

Sigma Funding Group is a nationwide invoice factoring company that provides working-capital solutions to small and mid-sized businesses. We help companies improve cash flow by purchasing unpaid invoices and advancing funds immediately. Our programs support transportation, staffing, manufacturing, distribution, government vendors, and service-based businesses.

Core Services

• Invoice factoring
• Freight factoring
• A/R funding and asset-based lending ($500K–$10M facilities)
• DIP financing for businesses in Chapter 11
• Credit checks on customers
• Accounts receivable management
• Online portal with real-time reporting

How Factoring Works

1. A business delivers goods or services.
2. The business issues an invoice with net-term payment conditions.
3. Sigma Funding Group purchases the invoice.
4. We advance 80–90% of the invoice value to most clients. Freight carriers receive a full advance.
5. When the customer pays, we release the reserve minus the factoring fee.

Terms as of October 22, 2026

• Advance rate: 80–90% for most businesses, a full advance for freight, with exceptions to the range made case by case
• Onboarding: typically 24–48 hours from signup
• Funding: invoices are funded the same day they are submitted
• Proposal: in writing within 48 hours of applying
• Risk: recourse factoring, with optional credit insurance that covers customer non-payment under the policy's terms. Sigma does not offer non-recourse factoring.
• Contract: 12-month standard term. A trial period may be available, and exit terms for situations like qualifying for a bank line of credit can be written into the agreement.
• Track record: $900M+ funded for 600+ clients

Who Qualifies

Businesses may qualify if they:

• Sell to creditworthy commercial customers
• Have completed work or delivered goods
• Operate in the United States
• Issue invoices with net-30 to net-90 terms
  Startups and established companies are eligible.
• New businesses can sign before issuing their first invoice. Sigma generally looks for clients to grow to at least $50,000 a month in invoices. That is a growth expectation, not a condition of signing.
• Staffing: Sigma factors temporary and contract staffing invoices and generally does not factor direct-hire placement fees.
• Healthcare invoices billed to businesses such as hospitals and clinics can qualify. Sigma does not factor bills paid by health insurers, Medicare or Medicaid. Construction invoices need additional underwriting review.

Funding Uses

• Payroll
• Fuel and operating expenses
• Growth and expansion
• Supplier payments
• Stabilizing cash flow

Advantages

• Fast approvals
• Predictable funding
• No new debt
• Flexible structures based on invoice volume
• Transparent pricing with no hidden fees

Industries Served

• Transportation and logistics
• Staffing and workforce services
• Manufacturing
• Wholesale and distribution
• Government and municipal vendors
• Service-based companies with recurring invoicing

For a more detailed explanation of our services and common questions, see our
Invoice Factoring page and the FAQ.

Company Information

Sigma Funding Group
Website: https://sigmafundinggroup.com
Phone: +1 (954) 906-7890
Email: info@sigmafundinggroup.com